<ARTICLE> 9 <LEGEND> THIS SCHEDULE OF FINANCIAL INFORMATION IS EXTRACTED FROM THE MARCH 31,1999 10-Q AND IS QUALIFIED IN ITS ENTIRETY BY REFERENCE TO SUCH 10-Q. </LEGEND> <MULTIPLIER> 1,000 <PERIOD-TYPE> 3-MOS <FISCAL-YEAR-END> DEC-31-1999 <PERIOD-END> MAR-31-1999 <CASH> 13,815 <INT-BEARING-DEPOSITS> 14,130 <FED-FUNDS-SOLD> 2,500 <TRADING-ASSETS> 0 <INVESTMENTS-HELD-FOR-SALE> 130,305 <INVESTMENTS-CARRYING> 27,471 <INVESTMENTS-MARKET> 27,821 <LOANS> 252,424 <ALLOWANCE> 2,849 <TOTAL-ASSETS> 452,274 <DEPOSITS> 388,195 <SHORT-TERM> 127 <LIABILITIES-OTHER> 4,665 <LONG-TERM> 0 <PREFERRED-MANDATORY> 0 <PREFERRED> 0 <COMMON> 9,482 <OTHER-SE> 49,805 <TOTAL-LIABILITIES-AND-EQUITY> 452,274 <INTEREST-LOAN> 5,535 <INTEREST-INVEST> 2,472 <INTEREST-OTHER> 82 <INTEREST-TOTAL> 8,089 <INTEREST-DEPOSIT> 3,434 <INTEREST-EXPENSE> 3,436 <INTEREST-INCOME-NET> 4,653 <LOAN-LOSSES> 232 <SECURITIES-GAINS> 20 <EXPENSE-OTHER> 2,926 <INCOME-PRETAX> 2,261 <INCOME-PRE-EXTRAORDINARY> 0 <EXTRAORDINARY> 0 <CHANGES> 0 <NET-INCOME> 1,679 <EPS-PRIMARY> .44 <EPS-DILUTED> .44 <YIELD-ACTUAL> 0 <LOANS-NON> 0 <LOANS-PAST> 0 <LOANS-TROUBLED> 0 <LOANS-PROBLEM> 0 <ALLOWANCE-OPEN> 0 <CHARGE-OFFS> 0 <RECOVERIES> 0 <ALLOWANCE-CLOSE> 0 <ALLOWANCE-DOMESTIC> 0 <ALLOWANCE-FOREIGN> 0 <ALLOWANCE-UNALLOCATED> 0